@Tom *****
I'd keep 'big money' somewhere safe, like some kind of Blackrock Fund, giving a good return, sending only that return on your capital, over to your single Thai bank account, and only as you need it, and using your ATM card and phone app for spending/transfers. What would be sensible is to open a second account for emergencies should your primary get compromised, with another big Thai bank, SCB, KASIKORN, KRUNGSRI or KRUNGTHAI just in case of nuclear fallout, and keep 2000 baht in there to keep the account open, and check in on the app every 3-6 months.